Skip to main content

Pay Over Time

Affordable Financing

Thanks to our deferred interest financing options, you can Buy Now & Pay Later.  Apply for special financing online, or visit us today to learn more about taking home a bike that’s perfect for you and fits within your budget. Already have your dream bike?  How about an upgraded wheelset, or indoor SMART trainer or GPS computer? All purchases over $399 qualify for our holiday offer of 12 months of deferred interest financing.

12 month deferred interest financing

How It Works

Your dream bike is just a few simple steps away.

1. Fill out this quick online credit application.

2. Visit any Spokes Etc. Location with your photo ID, a major credit card and your social security number.

3. Buy your dream bike.

4. Pay off your bike in affordable payments.

12 month deferred interest financing

Shop Now. Pay Over Time With Klarna.

Klarna is the smoothest and safest way to get to riding your new bike today, and pay over time. At this time Klarna is available in-store only. Contact us or visit the Klarna FAQ page for more information.

About Klarna   Klarna FAQs

*Minimum monthly payment required. Interest will be charged to your account (at the standard, variable 25.24% APR) from the purchase date if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum Interest charge is $1.00 per credit plan.  All bike purchases over $399 qualify for 12 months of deferred interest financing.

Trade-In & Upgrade

Bicycle Blue Book takes the hassle out of trading in your bike. Trade-in & trade up to a new bike in no time. Plus, enjoy up to 12 months of deferred interest financing, with approved credit, on all bike purchases over $399! Trade-in, trade up, and finance - your new bike purchase doesn't get any easier!